Why do I need contractors general liability insurance?

It should come as no surprise to construction and contracting companies that risk is part of the job. Whether workers are performing a task high above the ground or are using dangerous machinery, it is important to take all necessary precautions to keep employees safe.

However, it is crucial to not stop after implementing safety features like hard hats and protective work gloves. Business owners must guarantee not only the safety of their workers but also account for the possibility that a bystander could be put at risk. Partnering with commercial insurance specialists can help organizations find the right contractor general liability insurance policy.

Making repairs after the storm has passed

Natural disasters can wreak havoc for a number of businesses. This blog has previously discussed Hurricanes Irene and Sandy as well as Winter Storm Nemo. Repair crews were tasked with ensuring that residents and companies were able to receive power. This is one example of a dangerous job that could benefit from a comprehensive policy.

For example, utility companies NStar and National Grid had more than 3,000 crews replace fallen utility poles, rehang wire cables and repair blown transformers that left more than 600,000 customers without power because of Winter Storm Nemo, according to the Boston Globe. It was crucial for these employees to remain diligent in their work, as no one wants to be left without power for long periods of time.

After lackluster response times from previous storms, NStar, National Grid and other companies did not want to face additional fines.

"Communications between the utilities, us, and customers, and cities and towns is orders of magnitude better than it was five years ago," said Ann Berwick, chairwoman of the Massachusetts Department of Public Utilities.

While crews are working quickly, they might put themselves at further risk. This is why having commercial contractors insurance can be greatly beneficial for teams as they try to make repairs.